Navigating the world of home insurance can feel like a labyrinth, especially when juggling terms like landlord home insurance and homeowners insurance with tenants. It’s crucial to know what’s covered and, more importantly, what’s not. While your policy might seem like a safety net, there are some surprising gaps you might not be aware of. Let’s dive into seven big things your home insurance might not cover, so you can avoid any unexpected surprises. 1. Flood damage Floods can wreak havoc on a home, but standard home insurance policies usually don’t cover flood damage. Whether it’s a result of a hurricane or a heavy downpour, you’ll need separate flood insurance to protect your property. Many homeowners learn this the hard way, often after their basement becomes a swimming pool. It’s worth checking out the National Flood Insurance Program or private insurers to see what options are available in your area. 2. Earthquake damage Just like floods, earthquakes are another natural disaster that typically isn’t covered by standard home insurance. If you live in an area prone to seismic activity, it might be a good idea to invest in an earthquake insurance policy. These policies can cover repairs to your home and even temporary living expenses if your house becomes uninhabitable.